First Time Homebuyer programs provide below market interest rates, grants, and down payment assistance to eligible families and individuals who are purchasing their first home or who have not owned a home in the past three years.

There are "Unassisted Rate" loans that offer the lowest rates in the market but do not provide funds for down payment and closing  cost assistance and there are "Assisted Rate" loans that provide grant funds up to 4% of the mortgage amount for down payment but are offered at a slightly higher interest rate. Interest rates are at an all time low. The time to act is right now.

Please Pre-Qualify online for a free mortgage analysis and we will determine what price home you qualify for and if you are eligible for bond money, grants, and or down payment assistance.